BlastPoint's Banking Scorecard

Bank of Guam

$1B-$10B Specialty: Commercial GU FDIC cert 20884

Designations: ✓ Minority Depository Institution

Hagatna, GU

17 branches across GU · FM · MP · CA · MH · PW

883 banks in the $1B-$10B peer group nationally 1 in GU

Bank of Guam has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 72.4% in tier
+ Non-Interest Income / Assets 0.13% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 67.6% in tier
- ROA 0.64% below tier average
- Delinquency Rate 0.68% above tier average

Get updates when Bank of Guam releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
Total Assets ?	$3.1B +15.2% YoY +4.3% QoQ	+$324.7M	$2.8B -0.1% YoY	$1.7B +14.6% YoY	$6.2B +9.0% YoY	72%
Total Loans ?	$1.7B +3.7% YoY -0.2% QoQ	-$271.6M	$2.0B +0.6% YoY	$893.3M +3.3% YoY	$3.2B +10.7% YoY	59%
Total Deposits ?	$2.9B +15.9% YoY +4.7% QoQ	+$522.9M	$2.3B -0.3% YoY	$1.5B +15.3% YoY	$4.8B +8.0% YoY	76%
Return on Assets ?	0.72% +132.6% YoY -12.8% QoQ	-0.64%	1.37% +19.6% YoY	0.68% +65.9% YoY	1.24% +13.1% YoY	18%
Net Interest Margin ?	4.38% -5.6% YoY -10.0% QoQ	+0.56%	3.82% +6.9% YoY	4.93% -4.7% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	81.50% +1.5% YoY +6.1% QoQ	+20.45%	61.05% -4.6% YoY	82.92% -0.1% YoY	66.84% -3.8% YoY	Bottom 7.0% in tier
Delinquency Rate ?	1.56% -68.4% YoY -20.8% QoQ	+0.68%	0.89% +14.1% YoY	2.17% -56.7% YoY	0.95% +18.8% YoY	Bottom 14.8% in tier
Loan-to-Deposit Ratio ?	59.09% -10.5% YoY -4.6% QoQ	-25.11%	84.20% +0.3% YoY	57.70% -10.1% YoY	76.69% +0.9% YoY	Top 6.7% in tier
Non-Interest-Bearing Deposit Share ?	30.73% -12.0% YoY -8.4% QoQ	+9.45%	21.28% -2.5% YoY	31.01% -6.6% YoY	22.01% -1.1% YoY	Top 14.6% in tier
Nonperforming Asset Ratio ?	0.84% -71.5% YoY -24.2% QoQ	+0.17%	0.67% +15.6% YoY	1.10% -61.4% YoY	0.66% +19.3% YoY	25%
Tier 1 Capital Ratio ?	14.29% +0.4% YoY +1.3% QoQ	-0.87%	15.17% +2.0% YoY	20.56% +6.5% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.38% -12.5% YoY -75.7% QoQ	+0.13%	0.26% +1.6% YoY	0.30% -13.1% YoY	0.32% +4.0% YoY	Top 9.1% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#64 of 87 • Top 72.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 30.73%

(Tier: 21.28%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.38%

(Tier: 3.82%, National: 3.89%)

better than tier avg

87 of 87 Mid-Market banks match · 369 nationally

→ Stable -13 banks QoQ | QoQ rank declining

Concerns (1)

Efficiency Drag

risk

#51 of 74 • Bottom 67.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.50%

(Tier: 61.05%, National: 66.84%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable +2 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 883 peers in $1B-$10B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 59.09%

Peer Median: 84.20%

#60 of 883 Top 6.7% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.26%

#81 of 883 Top 9.1% in $1B-$10B

130

Non-Interest-Bearing Deposit Share

funding

Value: 30.73%

Peer Median: 21.28%

#130 of 883 Top 14.6% in $1B-$10B

135

Net Interest Margin

profitability

Value: 4.38%

Peer Median: 3.82%

#135 of 883 Top 15.2% in $1B-$10B

215

Total Deposits

size

Value: $2.87B

Peer Median: $2.34B

#215 of 883 Top 24.2% in $1B-$10B

Top Weaknesses (3 metrics)

822

Efficiency Ratio

profitability

Value: 81.50%

Peer Median: 61.05%

#822 of 883 Bottom 7.0% in $1B-$10B

750

Delinquency Rate

credit_quality

Value: 1.56%

Peer Median: 0.89%

#750 of 879 Bottom 14.8% in $1B-$10B

729

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.37%

#729 of 883 Bottom 17.6% in $1B-$10B